2025 tax year, federal + state + self-employment tax

What your 1099 rate actually pays you

Contract rates hide four costs a salary does not: both halves of FICA, your own health insurance, unpaid time off, and quarterly estimates. Enter your numbers to see real take-home, and the W2 offer that would match it.

Your numbers

How you are paid
Vacation, sick days and bench time. A 260-day work year is the baseline.
Business expenses
Software, equipment, mileage, insurance, home office, anything you deduct on Schedule C.
Filing status and benefits assumptions
Marketplace premiums you pay as a contractor. Deductible above the line.
Defaults reflect typical US employer coverage. Override with the actual offer to compare precisely.

Net take-home, after every tax

$0

Enter your rate to see results.

True hourly $0 after tax
Expenses SE tax Federal State Health Yours
Line itemAmount

The W2 offer that would match this

Equivalent salary

$0

A salaried job at this number leaves you the same cash after taxes, benefits and paid time off.

    Local and trade notes

    State tax

    Deductions to ask about

    Questions we get

    How 1099 take-home works

    Estimates only, not tax, legal or financial advice. Figures use 2025 federal brackets, the $176,100 Social Security wage base and a flat effective state rate per jurisdiction; they ignore local income taxes, gross receipts taxes, credits, dependents, other household income, capital gains, retirement contributions and state-specific deductions. The QBI deduction assumes a sole proprietor with no W-2 employees and no qualified property, so it phases out entirely above the threshold. Confirm anything you act on with a CPA or enrolled agent.